How Much Does 2013 Acura RDX Insurance Cost?

Searching for better insurance coverage rates for your Acura RDX? Searching for discount insurance coverage online may seem to be somewhat difficult for vehicle owners not familiar with buying their insurance coverage over the internet. With so many options of insurance companies available, how are we expected to be able to compare the different rates to find better prices?

This information will tell you the most effective way to quote insurance and some tips to save money. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Nevertheless, car owners benefit from understanding the methods companies use to determine prices and apply this information to your search.

Get cheaper insurance rates by understanding these factors

The best way to find cheaper insurance is to take a look at some of the factors that help calculate your premiums. If you understand what determines premiums, this allows you to make good choices that may reward you with big savings. Many different elements are part of the calculation when pricing auto insurance. A few of the factors are predictable such as your driving history, although some other factors are more obscure like your vehicle usage or your commute time.

The list below includes a few of the things used by insurance companies to determine prices.

• Insurance rates and your employer – Did you know your insurance rates can be affected by your occupation? Careers like lawyers, business owners and emergency personnel have higher rates than average due to high stress and lengthy work days. Other jobs such as actors, students and the unemployed get better rates on RDX coverage.
• Premiums are affected by your credit score – Having a good credit rating factor in determining your rates. Insureds with high credit ratings tend to file fewer claims and have better driving records than drivers who have bad credit. Therefore, if your credit is lower than you’d like, you could save money insuring your 2013 Acura RDX by spending a little time repairing your credit.
• What’s your car’s IIHS safety rating? – Vehicles with high crash test scores tend to have better insurance rates. These vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid which can result in lower premiums. If your Acura is rated at least four stars on Safercar.gov it is probably cheaper to insure.
• Don’t skimp on liability protection – The liability coverage on your policy will provide protection if ever you are responsible for causing personal injury or damage in an accident. It will provide legal defense coverage up to the limits shown on your policy. Liability is cheap when compared to the cost of physical damage coverage, so drivers should carry high limits.
• Prevent theft and save – Driving a car with advanced anti-theft systems can earn a premium discount. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help stop vehicle theft.
• Gender and auto insurance – Statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Males and females have at-fault accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Not only are claims higher, but men get cited for more serious violations like DUI and reckless driving.

The method we recommend to compare policy rates is to know most insurance companies provide online access to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information such as whether you are married, how old drivers are, daily mileage, and if you are currently licensed. That information is submitted instantly to multiple top-rated companies and you should receive rate quotes almost instantly.

Get cheaper rates with discounts

Car insurance can cost a lot, but there could be significant discounts to cut the cost considerably. Some discounts apply automatically at the time you complete a quote, but some may not be applied and must be manually applied before you will receive the discount. If you don’t get every credit you deserve, you are just wasting money.

• Sign Early and Save – Some larger companies reward drivers for signing up prior to the expiration date on your current policy. Ten percent is about the average savings.
• ABS Brakes – Cars equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
• Drivers Education – Have your child participate in a local driver’s education class in school or through a local driver safety program.
• Waiver for an Accident – Not really a discount, but a handful of insurance companies will let one accident slide before your rates go up as long as you don’t have any claims for a set time period.
• Auto/Home Discount – If you combine your home and auto policies and insure them both with the same insurance company you may earn up to 20% and get you cheap auto insurance.
• Paperless Signup – A few larger online companies may give you up to $50 for completing your application on the internet.
• Multiple Vehicles – Buying coverage for more than one vehicle on a single policy could earn a price break for each car.
• Save over 55 – If you qualify as a senior citizen, you could receive a small discount on rates on RDX coverage.

Discounts reduce rates, but you should keep in mind that most credits do not apply to all coverage premiums. Some only reduce specific coverage prices like liability and collision coverage. So even though it sounds like adding up those discounts means a free policy, it just doesn’t work that way.

Auto insurance companies who might offer these benefits include:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

Before purchasing a policy, check with all the companies to give you their best rates. All car insurance discounts may not be available in your area. If you would like to see a list of insurers that offer discounts, click here.

What is the best insurance coverage coverage?

When choosing coverage for your personal vehicles, there really is not a single plan that fits everyone. Every situation is different.

For example, these questions might point out if your insurance needs may require specific advice.

• Where can I find DUI or SR-22 insurance?
• Is my custom paint covered by insurance?
• Is my teenager covered with friends in the car?
• Should I file a claim if it’s only slightly more than my deductible?
• Should I put collision coverage on all my vehicles?
• How can I force my company to pay a claim?
• Are there companies who specialize in insuring high-risk drivers?
• Does my liability insurance cover pulling a trailer or camper?

If you don’t know the answers to these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Car insurance coverages for a 2013 Acura RDX

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive protection

This pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from flooding, damage from a tornado or hurricane, damage from getting keyed and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision insurance

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like damaging your car on a curb, colliding with another moving vehicle, rolling your car, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like chiropractic care, prosthetic devices, doctor visits, pain medications and X-ray expenses. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Auto liability insurance

This provides protection from damage or injury you incur to people or other property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things like court costs, medical expenses, bail bonds, medical services and legal defense fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Uninsured or underinsured coverage

This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Get your money’s worth

Consumers change insurance companies for any number of reasons including denial of a claim, delays in paying claims, questionable increases in premium and poor customer service. It doesn’t matter what your reason, choosing a new company is pretty easy and you might even save some money in the process.

We’ve covered some good ideas how you can shop for 2013 Acura RDX insurance online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the most savings is with the smaller companies.

Cheap 2013 Acura RDX insurance can be found online and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and usually these regional carriers sell through independent insurance agencies.

Other resources

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Top Signs Your Brakes are Giving Out (State Farm)
• Senior Drivers (Insurance Information Insitute)
• Credit and Insurance Scores (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)